Financial Services

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT

This is to give you notice that Seller has a business relationship with K. Hovnanian American Mortgage, L.L.C. (“Lender”). The nature of the business relationship is that Seller and Lender are corporate affiliates, each being 100% wholly owned by, or by a subsidiary of, Hovnanian Enterprises, Inc. Because of this relationship, this referral may provide the Seller a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for purchase of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

Lender

Settlement Services	Charge or Range of Charges
Origination Fee	$0 to 2% of loan amount
Discount Fee	$0 to 4% of loan amount
Application Fee	Up to $1,695.00 (Only in NJ and Veteran Affairs loans)
Underwriting Fee	Up to $800.00 (Except in NJ and Veteran Affair loans)
Processing Fee	Up to $800.00 (Except in NJ and Veteran Affair loans)
Appraisal Fee	$520.00 to $2,000.00
Credit Report Fee	$195.00 to $390.00
Final Inspection Fee	$180.00 to $350.00
Flood Certification	$11.75
Tax Service Fee	$0 to $87.00
Courier Fee	$45.00 (Except in NJ and Veteran Affair loans)
Administration Fee	$55.00 (Except in NJ and Veteran Affair loans)

ACKNOWLEDGEMENT

By clicking below, I/we acknowledge we have read the disclosure form and understand that Seller is referring me to purchase the above-described settlement services and may receive a financial or other benefit as the result of this referral.

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT

This is to give you notice that Seller has a business relationship with Eastern National Title Agency, Inc., Eastern National Abstract, Inc., Eastern National Title Agency Arizona, LLC, Eastern National Title Agency Florida, LLC, Eastern National Title Agency Illinois, LLC, Eastern National Title Agency Maryland, LLC, Eastern National Title Agency Texas, Inc. and Eastern National Title Agency Virginia, Inc. (collectively, “Title Company”). The nature of the business relationship is that Seller and Title Company are corporate affiliates, each being 100% wholly owned by, or by a subsidiary of Hovnanian Enterprises, Inc. Because of this relationship, this referral may provide the Seller a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for purchase of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

TITLE COMPANY

Issuance of Policies
For issuance of the Owner’s and Loan Policies, when issued simultaneously, the premiums are:

Owner's Policy	$0-$10,000.00*
Lender's Policy-Simultaneous	$25.00-$2,000.00*

Title Services	Charge or Range of Charges
Escrow/Settlement Fee	$400.00 - $2,000.00*
Funds Escrow Services	$200.00-$850.00
Second Mortgage Escrow Settlement Fee	$100.00-$300.00
Other Title and Closing Related Fees	$16.00-$200.00
Delivery Fees	$25.00 - $150.00
Title Search/Exam	$75.00 - $300.00
Closing Service Letter	$20.00 - $125.00
Chain of Title	$150.00 - $250.00
ALTA Endorsements	$25.00 - $175.00
Government Fees	$3.00-$50.00
Policy Update Fee	$50 - $125.00
Additional Endorsements Required by Lender	5-15% of the Basic Premium Rate
Additional Searches	$25.00-$700.00

* Could increase in some states depending on Purchase Price. Please reach out to our local Title Company for the applicable rates in your state.

ACKNOWLEDGMENT

By clicking below, I/we acknowledge we have read the disclosure form and understand that Seller is referring me to purchase the above-described settlement services and may receive a financial or other benefit as the result of this referral.

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT

This is to give you notice that Seller has a business relationship with Hovnanian Insurance Agency, LLC ("Insurance Agency"). The nature of the business relationship is that the Insurance Agency has a contractual relationship with an entity that is affiliated with the Seller. Because of this relationship, this referral may provide the Seller a financial or other benefit.

Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for purchase of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

Insurance Agency

Settlement Service	Range of Charges (Annual Premium)
Homeowner's / Hazard Insurance	0.2% - 2.5% of purchase price amount
Flood Insurance	0.1% - 0.5% of purchase price amount

NOTE: If enhancements to the standard policy such as increased limits, scheduled articles, and/or earthquake coverage are required, the premium may increase the percentages listed above. Actual quote and acceptance by the Insurance Agency is subject to the Insurance Agency's underwriting guidelines, including but not limited to verification of your credit score and previous loss history. The cost of your insurance may vary due to many factors including, without limitation, the size, location and cost of your home.